Call reports 2019
SYNERGY BANK — 2019
What SYNERGY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 535,072,000 | 540,017,000 | 552,796,000 | 556,820,000 |
| Total loans | 351,002,000 | 355,932,000 | 364,755,000 | 366,582,000 |
| Allowance for loan losses | 7,277,000 | 7,225,000 | 7,404,000 | 7,651,000 |
| Securities available for sale | 87,472,000 | 98,138,000 | 108,082,000 | 105,432,000 |
| Securities held to maturity | 41,832,000 | 39,517,000 | 38,626,000 | 40,520,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 471,893,000 | 474,501,000 | 484,794,000 | 490,356,000 |
| Interest-bearing deposits | 371,108,000 | 370,553,000 | 375,999,000 | 382,790,000 |
| Noninterest-bearing deposits | 100,785,000 | 103,948,000 | 108,795,000 | 107,566,000 |
| Equity capital | 60,979,000 | 63,466,000 | 65,723,000 | 64,492,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,982,000 | 12,238,000 | 18,728,000 | 25,128,000 |
| Interest expense | 972,000 | 2,061,000 | 3,236,000 | 4,420,000 |
| Net interest income | 5,010,000 | 10,177,000 | 15,492,000 | 20,708,000 |
| Noninterest income | 897,000 | 1,874,000 | 3,162,000 | 4,226,000 |
| Noninterest expense | 3,652,000 | 7,339,000 | 11,043,000 | 14,849,000 |
| Provision for loan losses | 121,000 | 121,000 | 218,000 | 724,000 |
| Pretax income | 2,134,000 | 4,591,000 | 7,393,000 | 9,361,000 |
| Income tax | 438,000 | 936,000 | 1,507,000 | 1,909,000 |
| Net income | 1,696,000 | 3,655,000 | 5,886,000 | 7,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,006,000 | 62,993,000 | 65,252,000 | 64,221,000 |
| Total capital | 65,446,000 | 67,467,000 | 69,923,000 | 68,886,000 |
| Risk-weighted assets | 352,394,000 | 355,204,000 | 370,972,000 | 370,213,000 |